SBI Flipkart vs Shoppers Stop HDFC Bank Credit Card Compared
Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.
| Feature |  SBI Flipkart Credit CardState Bank of India2 recent changes → |  Shoppers Stop HDFC Bank Credit CardHDFC Bank5 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 1% on most spends; 7.5% only at partner merchants | 1% on most spends; 3% only at partner merchants | |
| UPI payments (scan and pay) | Earns nothing | 1% | |
| Online shopping | 1%; 7.5% only at Myntra; 5% only at Flipkart, Shopsy & Flipkart Travel | 1%; 3% only at Shoppers Stop stores and shoppersstop.com | |
| Dining and food deliverysame | 1% | 1% | |
| Groceries | 1% | Earns nothing | |
| Travel: flights, hotels, trains | 1%; 5% only at Cleartrip | 1% | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and rechargessame | 1% | 1% | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiumssame | Earns nothing | Earns nothing | |
| School and college fees | Earns nothing | 1% | |
| Wallet top-upssame | Earns nothing | Earns nothing | |
| Taxes and government paymentssame | Earns nothing | Earns nothing | |
| Spend abroad or in a foreign currencysame | 1% | 1% | |
| Everything elsesame | 1% | 1% | |
| Card identity | |||
| Card typesame | Shopping | Shopping | |
| Network | Mastercard | RuPay | |
| Card tier | Mid | Entry | |
| Fees | |||
| Joining fee | ₹500 + GST | ₹299 + GST | |
| Annual fee | ₹500 + GST | ₹299 + GST | |
| Fee waived at | ₹3,50,000 | - | |
| Eligibility | |||
| Min age | - | 21 years | |
| Max age | - | 60 years | |
| Employment type | BOTH | - | |
| Min monthly salary | - | ₹20,000 | |
| Rewards | |||
| Reward type | Cashback | Reward points | |
| Point valuesame | ₹1 | ₹1 | |
| Fuel surcharge | |||
| Fuel surcharge waiversame | Yes | Yes | |
| Forex and international | |||
| Forex markupsame | 3.5% | 3.5% | |
| UPI rewards | |||
| Works on UPI | No | Yes | |
| Interest and charges | |||
| Interest rate (monthly) | - | 3.75% | |
| Interest rate (annual) | - | 45% | |
| Page content | |||
| Documents neededsame | PAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph | PAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹2,400
- Fee a year
- - ₹590
- You keep
- ₹1,810
- Rewards a year
- ₹2,400
- Fee a year
- - ₹353
- You keep
- ₹2,047
At this spend, Shoppers Stop HDFC Bank Credit Card comes out ₹237 a year ahead of SBI Flipkart Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.
Best For
- Regular Flipkart shoppers
- Myntra fashion buyers
- Cleartrip travel bookers
- Occasional Shoppers Stop shoppers
- First-time card users
- People who want a low fee card on UPI
Watch-Outs
- Each boosted category has a monthly cap
- Only 1% outside partner brands
- High ₹3,50,000 waiver target
- No lounge access
- No spend-based fee waiver
- Monthly point caps on both earn rates
- No lounge access
Card data sourced via CardAdvisor.in (SBI Flipkart Credit Card, Shoppers Stop HDFC Bank Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, SBI Flipkart Credit Card or Shoppers Stop HDFC Bank Credit Card?
Shoppers Stop HDFC Bank Credit Card. Shoppers Stop HDFC Bank Credit Card: ₹299; SBI Flipkart Credit Card: ₹500. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
SBI Flipkart Credit Card has the lowest forex markup. SBI Flipkart Credit Card: 3.5%; Shoppers Stop HDFC Bank Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.
Which earns more on everyday spending?
On spends outside any bonus category: SBI Flipkart Credit Card 1%, Shoppers Stop HDFC Bank Credit Card 1%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.
Can I hold more than one of these cards?
Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.
Work Out the Numbers
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Guides in Plain Words
Short reads that explain how it works before you decide.
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- GuidesBest Credit Cards Under ₹1,000 a Year in India (2026)Credit cards with an annual fee of ₹1,000 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
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